Snow Damage

Quebec winters have their charm… but also their challenges. Heavy roofs, water infiltration, stubborn ice, damaged vehicles, snow- and ice-related claims account for thousands of home and auto insurance reports every year.

The good news? Many of these damages can be prevented.

And when something goes wrong despite all precautions, having a trusted broker like Malouin Assurance makes all the difference.

In this article, we explain the most common winter-related damages, how to prevent them, and which insurance protections can help you get through the season with peace of mind.

A roof can withstand a lot… but not forever.
When snow exceeds 70 cm (2 ft) or ice reaches 5 cm (2 in), the risks increase:

• Structural sagging
• Ice dams forming
• Water infiltration through the roof or walls
• Bent or torn gutters

Warning signs to look for:

• Water stains on the ceiling
• New or widening cracks
• Doors that begin to stick
• Unusual creaking sounds

If you notice any of these signs, contact a professional immediately.

Rapidly melting snow or ice blocking drainage can lead to:

• Mold
• Damaged walls and floors
• Deteriorating foundations

A simple pile of misdirected snow can quickly turn into a serious issue.

Cars parked under:

• Overloaded branches
• Fragile roofs
• Or chunks of ice ready to fall

… are particularly vulnerable. Dents, cracked windshields and crushed bodywork are unfortunately common.

In winter, an icy walkway is more than an inconvenience, it’s a potential liability risk.

If a visitor, delivery person, or passerby gets injured, you could be held responsible.

• Use a telescopic roof rake from the ground.
• Always leave a thin 5 cm layer to avoid damaging shingles.
• Avoid climbing onto the roof, it’s risky and often unnecessary.
• For ice removal, call a professional.

Those famous “ice teeth” may look picturesque… but they’re dangerous.
They often indicate an insulation or ventilation problem in the attic.

Prevention tips:

• Properly insulate the attic floor
• Maintain good ventilation
• Seal warm air leaks
• Monitor snow accumulation along roof edges

• Clear stairs, balconies and emergency exits promptly.
• Keep gas or oil equipment unobstructed.
• Check the condition of temporary car shelters.

Even with excellent prevention, winter can be unpredictable.
That’s why having coverage tailored to Quebec’s climate is essential:

• Water damage
• Weight of snow and ice
• Civil liability
• Accidental breakage
• Auto coverage for falling objects

At Malouin Assurance, we don’t just offer a policy, we make sure it truly protects you.

Your broker analyzes your situation, compares available protections, and helps you avoid unpleasant surprises when a claim occurs.

Winter brings beauty, and unpredictability.
By combining:

• Smart prevention,
• Regular maintenance, and
• Well-chosen home and auto insurance,

… you protect your home, your valuables, and your peace of mind.

And if you’d like to review your coverage or get personalized advice:
👉 Malouin Assurance remains your trusted insurance broker,  winter and summer alike.